AI Won’t Replace Developers — It Will Strengthen the Future of Banking
Artificial intelligence has become a natural part of software development, and its role continues to grow. At Samlink, AI is approached with a practical and security-first mindset, essential in a regulated industry like banking.
According to Head of Competence Department Jarkko Tervakoski, AI is already changing developers’ daily work in concrete ways, but responsibility remains firmly in human hands.
“AI won’t replace developers. It brings efficiency, help, and sometimes inspiration. It allows us to solve small practical problems quickly,” Jarkko says.
Developers at Samlink use tools like GitHub Copilot, especially when quick solution drafts or sparring are needed. The biggest difference from traditional search is interactivity. Developers can clarify, test ideas, and iterate.
“AI can suggest structure or help with formatting. It’s still the developer’s job to evaluate whether the solution is good, safe, and appropriate.”
AI speeds up work, but it never removes the need for thinking. Jarkko believes its use will soon be even more integrated, from drafting technical designs to supporting architecture work.
Security First, Especially with Agentic AI
AI also introduces risks. Samlink and Kyndryl apply strict governance, compliance, and risk-assessment processes to ensure AI-assisted development meets banking-level security standards. This becomes even more important as the industry moves toward agentic AI, systems that can independently assist in tasks or actions.
Agentic AI brings opportunities such as smarter automation and improved code analysis, but also requires tighter oversight and human control. Samlink follows global best practices and leverages Kyndryl’s cybersecurity expertise to ensure safe adoption.
Samlink’s approach to AI is not limited to internal productivity. Co-creation with customers is becoming increasingly important, especially as banks explore new AI use cases.
Whether running pilot projects, testing concepts, or designing future banking solutions, Samlink works closely with clients through workshops and sparring sessions. Kyndryl AI Labs offer an environment for hands-on experimentation, helping ensure that every AI-enabled solution is practical, secure and tailored to banking needs.
Global Insight Guiding Local Development
As part of Kyndryl, Samlink also benefits from global research, including findings from the Kyndryl Institute and the Readiness Report. As Chairman and CEO of Kyndryl Martin Schroeter notes:
“A readiness gap exists as enterprises grapple with the promise of transformative value from AI. Closing that gap is the challenge and opportunity ahead.”
These insights support Samlink’s focus on skills development and responsible adoption.
AI’s significance goes far beyond productivity:
It will reshape how Samlink designs, builds, and maintains banking platforms, enabling smarter automation, better code quality, enhanced fraud prevention and more seamless integration with legacy systems. Generative and agentic AI together will support faster delivery and more reliable services.
And yet, the human role remains central.
“AI doesn’t make the job less interesting, but quite the opposite. When routine tasks decrease, we get more time to think, innovate and collaborate,” Jarkko concludes.